Liquid Expat
Liquid Expat

Competitive UK Mortgage Rates for Expats & Foreign Nationals

Explore Current Rates and Offers

Buy-to-Let Rates starting from 3.15%*  |  Residential Rates starting from 4.08%

Some lenders may also offer additional incentives such as:
● Zero Bank Arrangement Fees*  ● Free Valuations*  ● Lender Contribution to Legals*  ● Free Legals*  ● Fixed Mortgages*
Incentives & fees vary by lender & product. Not all lenders offer these options. Please check with your Liquid Expat broker for details specific to your circumstances.

GET YOUR FREE QUOTE NOW!

We work with a wide panel of UK lenders to secure highly competitive mortgage options tailored for Expats and Foreign Nationals. All applications are handled by longstanding specialists in expat and overseas lending.

Don’t miss out if you’re hoping rates will reduce throughout the year, just ask us about our Interest Rate Assurances**

Find me a Mortgage Find me a Remortgage

Competitive UK Mortgage Rates for Expats & Foreign Nationals

Explore Current Rates & Offers

Buy-to-Let Rates starting from 3.15%*  |  Residential Rates starting from 4.08%

Some lenders may also offer additional incentives such as:
● Zero Bank Arrangement Fees*  ● Free Valuations*
● Lender Contribution to Legals*  ● Free Legals*  ● Fixed Mortgages*
Incentives & fees vary by lender & product. Not all lenders offer these options. Please check with your Liquid Expat broker for details specific to your circumstances.

GET YOUR FREE QUOTE NOW!

We work with a wide panel of UK lenders to secure highly competitive mortgage options tailored for Expats and Foreign Nationals. All applications are handled by longstanding specialists in expat and overseas lending.

Don’t miss out if you’re hoping rates will reduce throughout the year, just ask us about our Interest Rate Assurances*

Find me a Mortgage Find me a Remortgage

Competitive UK Mortgage Rates for Expats & Foreign Nationals

Explore Current Rates & Offers

Buy-to-Let Rates starting from 3.15%*
Residential Rates starting from 4.08%

Some lenders may also offer additional incentives and offers such as:
● Zero Bank Arrangement Fees*
● Free Valuations*
● Lender Contribution to Legals*
● Free Legals*  ● Fixed Mortgages*
Incentives & fees vary by lender and product.

GET YOUR FREE QUOTE!

We work with a wide panel of UK lenders to secure highly competitive mortgage options tailored for Expats and Foreign Nationals. All applications are handled by longstanding specialists in expat and overseas lending.

Don’t miss out if you’re hoping rates will reduce throughout the year, just ask us about our Interest Rate Assurances*

Find me a Mortgage Find me a Remortgage

93% of our applicants are successfully offered UK mortgage options

HERES HOW

Step 1

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Step 1 – We learn about you and find your perfect mortgage

We try not to talk in jargon and once we clarify the basic details of your enquiry and circumstances, we can quickly provide options as we have exclusive market access with the largest panel of lenders of any expat broker.

Step 2

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Step 2 – Speak with your dedicated team of UK expat mortgage experts

As a completely independent team of expat mortgage specialists, we have no obligations other than ensuring you receive the best and most valuable service possible. We are available to speak on the Phone, Email, WhatsApp, Zoom call and will try to accommodate a time that suits where you live in the world.

Step 3

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Step 3 – We’ll sort out your mortgage application

We provide on-going guidance and support from obtaining a Decision in Principle through to Completion of your UK mortgage. We can help minimise disruptions and contain costs when it comes to supplying the correct paperwork and identity requirements.

Join the thousands of Expats and Foreign Nationals that we have helped over the last 15 years!


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Top Rated Service
Verified by Trustindex
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
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Safina Saddique
60 days ago
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We had an excellent experience with Raja Majeed at Liquid Expat. From start to finish, he was professional, knowledgeable, and incredibly supportive throughout the mortgage process. He kept us updated every step of the way, explained everything clearly, and was always available to answer our questions, making what could have been a stressful process feel straightforward and manageable. Raja’s attention to detail and dedication gave us confidence throughout, and he worked hard to ensure everything progressed as smoothly as possible. We truly appreciated his patience, honesty, and commitment to achieving the best outcome for us. We would highly recommend Raja Majeed and Liquid Expat to anyone looking for expert mortgage advice and outstanding customer service. Thank you for all your help!
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Leonarda and Callum H.C
158 days ago
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I’ve had a great experience working with Liquid Expat who helped me on an expat remortgage. Joe and Liam provided great service and helped me through the whole process. I would definitely recommend to anyone needing a mortgage
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Heather Mitchell
246 days ago
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My experience with Liquid Expat Mortgages was outstanding. I was incredibly lucky to be allocated Julie, who went above and beyond throughout the entire process. She even stayed up past midnight on one occasion to help move things forward and offered not just professional support, but emotional reassurance too—something that made a real difference in what was a high-pressure situation. Julie is exceptional with complex mortgages and has strong relationships across a wide range of banks, which enabled her to expedite things quickly and smoothly. I’d thoroughly recommend her to anyone looking for expert, committed support with expat or cross-border mortgage needs.
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Tony M
282 days ago
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Fantastic experience. John and Vanessa have been amazing. Despite our case being more complicated than most, their diligence, perseverance and professionalism at every step of the way meant we were able to secure a mortgage and proceed with a property purchase in the UK as expats from a distance. Their communication is a key strength and one of the main reasons we have now used them twice and recommended them to others. If you are an expat struggling with finding a mortgage - don't waste your time trying to deal with anyone else.
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Peet Kok
288 days ago
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Joe and his team were great. So helpful and professional. Highly recommended for anyone in need of a mortgage, especially if more complex and challenging circumstances apply.
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Hailey Luk
451 days ago
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The entire mortgage approval process was impressively quick — it only took around three weeks to complete. Although there was a small misunderstanding at the beginning, it was resolved very promptly. A big thank you to Vanessa and Kenneth for providing regular updates, following up closely throughout the process, and helping to resolve any issues along the way. Their professionalism and responsiveness made the experience smooth and reassuring. Truly appreciate all your support!
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Optimistic
480 days ago
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David: I can rightfluly say that your swift work was life changing- Thank you. David even called on Saturday to break a good news so that we can enjoy and spend a happy weekend *( instead of full of anxiety weekend)... and in just few days and at the incredible rate. It was soo good and soo quick and such a great rate, that I started to even doubt if its real. Its all real- best happiest experience with David and the team. Huge thank you. It goes in a bucket of happy memories.
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H Coops
602 days ago
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Excellent service from start to finish with Liquid Expat! Vanessa and Ian made the process of buying a property in the UK while living abroad completely seamless. Their communication has been outstanding, always responding promptly to any queries we had and keeping us informed every step of the way. Highly recommend their professional and efficient team.
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Bally Binji
644 days ago
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An incredible service offered by Liquid Expat Mortgages. David Mowatt totally 'saved my life' with the practical advice and guidance he gave me. He called me within 10 mins of me uploading my details and immediately started to give ideas on what I could try. He then even suggested contacting my existing provider and asking for a 6 Month Payment holiday - which they then granted! I cant thank you enough David for such a gracious, self less act. I shall have no hesitation to recommend your services and come back for any mortgage assistance in the future.
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Paula Fielding
735 days ago
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Absolutely top class and very professional service from Philip Clarke and Vanessa Govender with a real personal touch. Both have been extremely helpful, efficient, kind and courteous and have really put me at ease and done their absolute best to help me attain a mortgage. I hugely appreciate their efforts and assistance and highly recommend them both for recognition in their company and to anyone seeking an expat mortgage.

Liquid Expat Mortgages Interest Rate Assurance

** Given the Volatility of Mortgage Rates, please rest assured that if and when your chosen Lender reduces their pricing throughout your Application Process, we will automatically Check and Ensure your product is Switched to a more competitive product prior to the Final Mortgage Offer being Issued, subject to specific lender policy and potential product switching fees.

We recently saved a client over £800 per month by switching their chosen product at Approval stage to a cheaper product with the same lender prior to the Offer being issued. Please ask us for more details about our Interest Rate Assurance when we speak.

Book a call

Liquid Expat Mortgages Interest Rate Assurance

** Given the Volatility of Mortgage Rates, please rest assured that if and when your chosen Lender reduces their pricing throughout your Application Process, we will automatically Check and Ensure your product is Switched to a more competitive product prior to the Final Mortgage Offer being Issued, subject to specific lender policy and potential product switching fees.

We recently saved a client over £800 per month by switching their chosen product at Approval stage to a cheaper product with the same lender prior to the Offer being issued. Please ask us for more details about our Interest Rate Assurance when we speak.

Book a call

Try our UK Expat Mortgage Calculator

Calculate how much you can afford to borrow with our UK Expat Mortgage Calculator. This calculator helps you discover your potential monthly payments for residential mortgages, buy-to-let mortgages, remortgages, or any other type of mortgage finance.

Try our other Calculators:

UK Expat Mortgage Calculator

Mortgage required £
Repayment period    years
Interest rate    %

Get a Decision In Principle now

Complete our full fact-find online now so that your mortgage advisor gets all the details required to process a Decision in Principle with the lender. They’ll discuss this with you before processing.

Decision In Principle

Copyright © 2026 Liquid Expat Mortgages, All rights reserved. Privacy Policy. Terms & Conditions. Procedures.
DISCLAIMER: Liquid Expat Mortgages is a trading style of Liquid Complete Ltd, trading address: Suite 4b, Link 665 Business Centre, Todd Hall Road, Rossendale, BB4 5HU, United Kingdom. Registered in England & Wales address Phoenix House, 2 Huddersfield Road, Stalybridge, SK15 2QA, United Kingdom. Company No 09438556. Liquid Complete Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 685425. The FCA does not regulate some investment mortgage contracts. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it.